Schedule of Charges

Account Variant Pratham Savings Saral Salary Sanchay Savings Pragati Current Account Account Account Account Account Feature

Rs 5000 for Urban/Rs 2500 for Monthly Average Balance Rs 1000 0 0 Rural

Rs 100 – Urban Non Maintenance of MAB Rs 50 NA NA Rs 50 – Rural

Initial Funding Rs 5000 for Urban/Rs 2500 for Rs 1000 Nil Nil Rural

Debit Card Services Card Variant RuPay Classic RuPay Classic RuPay Classic RuPay Platinum Issuance Fee Rs 149 Rs 99 Rs 99 Rs 199

Annual Fee (2nd Year Onwards) Rs 149 Rs 99 Rs 99 Rs 199

Card Replacement Fee Rs 149 Rs 99 Rs 99 Rs 199

PIN Regeneration Rs 10 Rs 10 Rs 10 Rs 10

Free ATM Interchange 3 for Metro /5 for 3 for Metro /5 for 3 for Metro /5 for non- 1 for Metro /2 for non-metro (Per Month) non-metro non-metro metro

20 : Fin Tran 20 : Fin Tran 20 : Fin Tran 20 : Fin Tran Charges Post free limit 8.5 : Non Fin Tran 8.5 : Non Fin Tran 8.5 : Non Fin Tran 8.5 : Non Fin Tran ATM transaction decline fee : Transactions declined at other bank Rs 20 Rs 20 Rs 20 Rs 20 ATMs due to insufficient funds CASH Deposit 2 txns free per 2 txns free per 5 txns free per month, Branch month, Rs.5 per Free month, Rs.5 per 1000 Rs.5 per 1000 1000

0.6% of Transaction 0.6% of Transaction 0.6% of Transaction 0.6% of Transaction Merchant or Min Rs 5 or Min Rs 5 or Min Rs 5 whichever is or Min Rs 5 whichever is higher whichever is higher whichever is higher higher

CASH Withdrawal 2 txns free per 2 txns free per 5 txns free per month, Branch month, Rs.5 per Free month, Rs.5 per 1000 Rs.5 per 1000 1000

0.6% of Transaction 0.6% of Transaction 0.6% of Transaction 0.6% of Transaction Merchant or Min Rs 5 or Min Rs 5 or Min Rs 5 whichever is or Min Rs 5 whichever is higher whichever is higher whichever is higher higher

Fund Transfer FINO TO FINO Branch Flat Rs 5 Free Flat Rs 5 Free Merchant Rs 10 Rs 10 Rs 10 Rs 10 Mobile Banking Free Free Free Free FINO To Other Banks A : Up to Rs .1000 : A : Up to Rs .1000 : Rs Rs 5 5 B: 1001-4999 : Rs A : Up to Rs .1000 : Rs 5 A : Up to Rs .1000 : Rs 5 B: 1001-4999 : Rs 10 10 B: 1001-4999 : Rs 10 B: 1001-4999 : Rs 10 C : 5000-9999: Rs 15 C : 5000-9999: Rs C : 5000-9999: Rs 15 Branch C : 5000-9999: Rs 15 D : 10000 - 25000 : Rs 15 D : 10000 - 25000 : Rs 20 D : 10000 - 25000 : Rs 20 20 D : 10000 - 25000 : E : 25001 and above : Rs E : 25001 and above : Rs 30 E : 25001 and above : Rs 20 30 Rs 30 E : 25001 and above : Rs 30

A : Up to Rs .1000 : A : Up to Rs .1000 : Rs Rs 5 5 B: 1001-4999 : Rs A : Up to Rs .1000 : Rs 5 A : Up to Rs .1000 : Rs 5 B: 1001-4999 : Rs 10 10 B: 1001-4999 : Rs 10 B: 1001-4999 : Rs 10 C : 5000-9999: Rs 15 C : 5000-9999: Rs C : 5000-9999: Rs 15 Merchant C : 5000-9999: Rs 15 D : 10000 - 25000 : Rs 15 D : 10000 - 25000 : Rs 20 D : 10000 - 25000 : Rs 20 20 D : 10000 - 25000 : E : 25001 and above : Rs E : 25001 and above : Rs 30 E : 25001 and above : Rs 20 30 Rs 30 E : 25001 and above : Rs 30

Mobile Banking Rs 10 Rs 5 Rs 10 Rs 5 Account Statement Email – Statement Free Free Free Free

Physical Statement: Adhoc Rs 50 per instance Rs 50 per instance Rs 50 per instance Rs 50 per instance Statement

Cheque Outward Clearing Cheque Collection (Outstation) Upto & including Rs.5000 per Rs.25 Rs.25 Rs.25 Rs.25 instrument

Cheque Collection (Outstation) above Rs.5000 & upto & including Rs.50 Rs.50 Rs.50 Rs.50 Rs.10,000 per instrument

Cheque Collection (Outstation) above Rs.10,000 & upto & including Rs.100 Rs.100 Rs.100 Rs.100 Rs.100,000 per instrument

Cheque Collection (Outstation) above Rs.100,001 & upto & Rs. 150 Rs. 150 Rs. 150 Rs. 150 including Rs.500,000 per instrument

Cheque Collection (Outstation) above Rs.500,001 & upto & Rs. 150 Rs. 150 Rs. 150 Rs. 150 including Rs.10,00,000 per instrument

Cheque Collection (Outstation) Rs. 150 Rs. 150 Rs. 150 Rs. 150 above Rs.10,00,001 per instrument Rs. 150 per Cheque Return Rs. 150 per instance Rs. 150 per instance Rs. 150 per instance instance

Miscellaneous Services

Standing Instruction Charges -Setup Free Free Free Free

Standing Instruction Charges - 0 0 0 0 Transaction charges

SI failure due to customer related INR 350 / instance INR 350 / instance INR 350 / instance INR 350 / instance errors

Account Maintenance & Other services

SMS Alert Charges /month Rs 5 Rs 5 Rs 5 Rs 5

Doorstep Banking Services NA NA NA Rs 25 per instance

Upto 14 days - Nil; Upto 14 days - Nil; Upto 14 days - Nil; Upto 14 days - Nil; Between 15 Between 15 and 180 Between 15 and Between 15 and 180 Account Closure and 180 days Charge of Rs. 200; days Charge of Rs. 180 days Charge of days Charge of Rs. 200; Else Nil 200; Else Nil Rs. 200; Else Nil Else Nil

On maintenance of Rs 30,000 or more, following charges will be waived for the particular month: 1. Cash Deposit and withdrawal transactions at Fino Payments Bank Branch 2. Funds transfer within Fino ( At Branches and through Mobile Banking) 3. Funds transfer outside Fino through Mobile Banking 4. Adhoc Statement (1 free per month) 5. SMS Alerts charges 6. Doorstep Banking charges (Only for Current Account)

*Metro locations include Mumbai, Delhi, Bangalore, Chennai, Kolkata and Hyderabad and Non-metro locations include other locations in India ** All charges are exclusive of applicable taxes